| 区块链技术与互联网金融风险防控路径研究 |
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| 引用本文： | 区块链技术与互联网金融风险防控路径研究.区块链技术与互联网金融风险防控路径研究[J].科学学研究,2022,40(2):257-268. |
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| 作者姓名： | 区块链技术与互联网金融风险防控路径研究 |
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| 作者单位： | 1. 大连理工大学;2. ; |
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| 摘 要： | 随着互联网与金融行业融合程度不断提高，出现了许多区别于传统金融行业的新型风险。已有文献大多集中于解释区块链技术与互联网金融的互补性，没能解决如何将区块链技术应用于防控互联网金融风险。本文基于互联网金融的四大类风险，运用决策实验室法(DEMATEL)和解释结构模型(ISM)对互联网金融风险防控路径进行研究分析，以探究区块链技术在互联网风险防控过程中发挥的作用。结果表明:(1)解决互联网技术问题是区块链防控互联网金融风险的首要环节。(2)防控互联网技术风险和法律监管是互联网金融行业可持续发展的核心。(3)完善市场信用规制需要技术和法律监管的支撑。(4)经营风险的不断改善需以技术、法律和交易信用作为基础。研究结果将为区块链技术应用于互联网金融风险防控提供一套应用路径体系，以期实现互联网金融行业的可持续发展。
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| 收稿时间： | 2020-12-04 |
Blockchain Technology and Internet Financial Risk Prevention and Control Route |
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| Abstract: | Based on the four types of risks of Internet finance, this paper uses decision-making laboratory method (DEMATEL) and interpretative structural model (ISM) to study and analyze the risk prevention and control path of Internet finance, in order to explore the role of blockchain technology in the process of Internet risk prevention and control.The results show that :(1) solving Internet technical problems is the first step to prevent and control Internet financial risks of blockchain.(2) Prevention and control of Internet technical risks and legal supervision are the core of the sustainable development of the Internet financial industry.(3) Improving market credit regulation needs the support of technology and legal supervision.(4) The continuous improvement of business risks shall be based on the consideration of technology, law and transaction credit.The research results provide a set of application path system for the prevention and control of the risks of Internet finance with blockchain technology. It is hoped that more scholars can increase their attention to the prevention and control of the risks of blockchain and Internet finance, and propose a more complete prevention and control of the risk path system of Internet finance with blockchain technology.It is suggested that the central bank can jointly promote the application of blockchain technology in the Internet finance industry from multiple levels, including the government, financial institutions, Internet enterprises and users, so as to realize the sustainable development of the Internet finance industry. |
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